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5 Best Car Insurance Coverage Explained

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If you’re buying a new car or shopping for car insurance in Denver, Colorado, you’ll likely need to understand the common types of car insurance coverage available on a car insurance policy.

Drivers get involved in car accidents all over the world for several reasons and Denver, Colorado, is not an exception. Most car accidents occur as a result of distracted drivers, drunk drivers and sometimes, accidents occur for no reason.

Therefore, various car insurance coverage is available to help protect you, your passengers, and your vehicle if you’re involved in a car accident.

Chubb, USAA, Amica, and MetLife are some of the best insurance companies out there according to consumers.

The common car insurance coverage options are collision coverage, personal injury protection, and auto liability.  Depending on where you live, some of these coverages are mandatory and some are optional.

If you’re involved in a car accident, always contact AGG law firm Denver’s trusted car accident attorney or lawyer for a free consultation to see how we can help.

1. PERSONAL INJURY PROTECTION

Personal injury protection, or PIP, is available in New York, Michigan, Texas, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, New Jersey, North Dakota, Oregon, Pennsylvania, and Utah.

Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, PIP may also help cover other expenses incurred because of your injuries — for example, childcare expenses or lost income.

Personal injury protection is required in some states and optional in other states where it’s available.

At AGG law firm our attorneys know the ins and outs of PIP. If you’re involved in a car accident that causes personal injuries, do not forget to reach out to AGG Law Firm your car accident lawyer or attorney.

2. COLLISION CAR INSURANCE COVERAGE

If you’re involved in an accident with another vehicle, or if you hit an object such as a fence because you were distracted, collision coverage may help pay to repair or replace your car (up to its actual cash value and minus your deductible).

Collision coverage is typically optional. It may be required, however, by your vehicle’s leaseholder or lender.

If you or a loved one is involved in a collision, ensure you contact AGG Law Firm your car accident attorney or lawyer.

3. MEDICAL PAYMENTS COVERAGE:

If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage may help pay for costs associated with the injuries.

Your insurance claim will cover the cost of hospital visits, surgery, X-rays and more. If you have been injured in an accident, contact AGG Law Firm today to find out more about how medpay can help your case.

4. Liability Coverage

Liability insurance covers bodily injuries and property damage incurred by other drivers and passengers.

If you are liable for causing a car accident, it does not pay for injuries or damages that you sustain as a result of the accident.

States that require car insurance will usually have a statutory minimum level of liability coverage. In Colorado, the state minimums are $15,000 for property damage and $25,000 per injured person and $50,000 per occurrence for injuries

Liability coverage has two components:

  • Bodily injury liability your insurance claim may cover the costs related to another person’s injuries if you cause an accident.
  • Property damage liability may help pay for damage you cause to another person’s property while driving.

5. UNINSURED AND UNDERINSURED MOTORIST COVERAGE:

If you’re hit by a driver who doesn’t have insurance, uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle.

If you’re hit by an underinsured driver, that means they have car insurance, but their liability limits aren’t enough to cover your resulting medical bills. That’s where underinsured motorist coverage may help.

Ensure that your car is always insured with the proper coverage to protect yourself and your family. Chubb, USAA, MetLife, and Amica are some of the insurance companies that offer great coverage plans.

If you’re involved in an accident in Denver, Colorado, contact the car accident lawyers and attorneys at AGG Law Firm in Denver, CO for a free consultation.